Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St Johns Golf & CC, St. Augustine — a golf course home in St. Johns County.

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Active

Active·Listed today·St Johns Golf & CC

1316 Chelsey Circle

St. Augustine, FL 32092

$660,000$224/sqftEst. $3,390/moMLS# 2161228

Beds

Baths

2,952

Sq Ft

2005

Built

Garage

Pool

About this home

St Johns Golf & CC

Where Florida Living Meets Everyday Luxury! Welcome to your own private Florida retreat! Tucked away on a peaceful cul-de-sac in a sought-after golf course community, this beautifully updated 5BR/3BA home blends comfort, elegance & the natural beauty of a protected preserve. Windows galore fill the heart of the home with natural light, while the open kitchen/living area features granite countertops, abundant cabinetry, pantry, stainless appliances, gas range & a gas fireplace. Wood floors grace the main living areas. Enjoy peaceful preserve views from the Florida Room, paver patio & fire pit--where birds & wildlife become part of everyday life. A wrought-iron dog run & Monarch Butterfly Waystation add to the home's special appeal. Improvements include roof & gutters 5 years old, new paver driveway/walkway, front door, 2 A/C systems (2021), newer appliances & a Generac whole-house natural gas generator. Community amenities abound, with golf, pools, clubhouse, & fitness center.

Cost to own

Mortgage calculator

Home Price

$660,000

Down Payment: 20%

$132,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,390

Principal & Interest: $3,390

Property taxes (est.): $878

Insurance (est.): $440

Estimated Total Monthly

$4,708

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$3,390

Property taxesest. at asking price, St. Johns County$878

HOAbilled quarterly$110

Estimated total, before insurance$4,378/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,818/yr · $652/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,818/yr

Estimated taxes if purchased at asking price: ~$10,500/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,713 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 21, 2026Listed$660,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$660,000

Price / Sq Ft$224

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,952

Acres0.28 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorthwest

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighBeachside

Community Information

Address1316 Chelsey Circle, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSt Johns Golf & Cc

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size12,196.8 sq ft

Parcel Number0264362420

ZoningResidential

Amenities

AmenitiesBasketball Court, Cable TV, Clubhouse, Fitness Center, Golf Course, Jogging Path

UtilitiesCable Available, Cable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingElectric, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup